10 Life Insurance Sales Scripts Samples
By using these scripts, you’ll not only educate your clients about the different types of life insurance available but also help them recognize how a personalized policy can provide a safety net for their families and loved ones.
Life Insurance Sales Script Sample #1: Talking to an Interested Lead
For organizations with robust insurance lead generation programs, a large number of the leads you’re dialing are going to have raised their hands and expressed interest in your offerings. Your life insurance sales scripts for these conversations should open by referencing this interest. And if they can include the exact lead source in the life insurance sales pitch, it will be even better. For example:
Agent: Hi, [Customer Name]. This is [Agent Name] with [Company Name]. I’m getting back to you about the life insurance policy information you requested [lead source, e.g., “on our website”]. Do you have a few seconds to hear about our options? Based on the information you provided, I think we can save you some money without sacrificing coverage.
This simple script opener reminds them of the fact they wanted to be called in the first place. In addition, simply asking how your prospect is doing gives your agent the opportunity to build some rapport from the outset. After an exchange over their response, the agent can quickly proceed with the script:
Great! Well, [Customer Name] the good news is that it looks like there are some new, state-approved plans that you might qualify for.
So, [Customer Name] it’s my job to quickly verify some basic info with you. Then I’ll connect you with one of our licensed underwriters who will be able to give you the information you requested and get you the coverage you qualify for. May I just ask you a few quick questions?
From here, the qualifying questions you ask will vary according to your organization’s own process. Run the prospect through your list of questions, confirming any required info like name, location, beneficiary, and bank account types. Once finished, it’s time to transfer them to speak with an underwriter or set an appointment for them to do so.
[Customer Name], it’s been a pleasure speaking with you. I want to thank you for your patience and providing me with all this information. I’m now going to go ahead and transfer you to one of our licensed field underwriters.
They will be able to explain the many benefits of our plans and confirm which plans you qualify for. I think you’ll be pleased with what they have to show you.
Now, in just a second you’ll hear a quick beep and I’ll stay on the line with you and introduce you to the underwriter. Thanks again for your time and patience today. They’ll be with us shortly.
OR
[Customer Name], it’s been a pleasure speaking with you. I want to thank you for your patience and providing me with all this information. To answer any questions you might have and get you the coverage you’re looking for, I’m going to schedule time for you to talk to one of our very best licensed underwriters, [Underwriter Name]. Are you available to chat with [Underwriter Name] sometime on [Date] between [Available Times]?
Life Insurance Sales Script Sample #2: The Free Quote
In life insurance, the quote is an indispensable tool for sales teams. When gathered online it can be a great way to generate leads and customer data that informs sales. However, it can also be a great thing to generate customer interest over the phone. Consider the following life insurance sales script sample:
Agent: Hello, my name is [Name] with [Company Name]. Am I speaking with [Customer Name]?
Prospect: Yes, speaking. May I ask what you’re calling about?
Agent: I’m calling to discuss your life insurance coverage. I’m offering free quotes to [local businesses/people who have expressed interest] this week. There’s no obligation to buy and it only takes a few minutes to see if we can save your family some money on your monthly premium. Do you have time on [Date] to run through your needs and options?
Alternatively, many agents will be able to follow up with a free quote via email, eliminating any need for an in-person meeting. In this case, after an agent has received the necessary preferences and data to inform the free quote, ending the call with a confirmation of next steps can establish a firm timeline and keep a customer moving down the sales funnel toward purchase.
Agent: So, now that I have this information about the kind of plan you’re looking for, I’ll be able to generate a personalized quote for you and your family. I will have that in your email inbox by the end of today. To confirm, your email is [Customer Email], correct?
Prospect: Correct.
Agent: Great, thanks. Once you receive the quote, you can review it and let me know if you have any questions at all. I’ll plan to check in with you again on [Date and Time] after we’ve finished our review process. Is that okay for you?
Prospect: Yes.
Agent: Perfect! I’ll get started on your quote right away. Thanks so much for your time. Looking forward to talking with you later this week. Have a good rest of your day.
Life Insurance Sales Script Sample #3: Following Up on an Inquiry
For agents who work in environments where leads have shown interest through inquiries—whether via email, social media, or phone calls—it’s crucial to open the conversation by referencing that inquiry. This not only reminds the client of their interest but also sets the stage for a productive conversation.
Agent:
Hi, [Customer Name]. This is [Agent Name] from [Company Name]. I’m following up on your inquiry about life insurance that you submitted [lead source, e.g., “through our Facebook ad”]. Do you have a moment to discuss your options?[Build Rapport]
“Great! How has your day been so far?”Once you establish a rapport, you can seamlessly transition into discussing their needs and the products available.
Agent:
“Well, [Customer Name], the good news is that there are several tailored life insurance options available for you. I’d like to help you find the best fit for your needs.”[Qualifying Questions]
“To get started, could I ask you a few quick questions? This will help me understand your situation better.”
- “What are your main goals for life insurance? Are you looking for coverage to protect your family or for estate planning?”
- “How many dependents do you have, and what are their ages?”
- “What’s your budget for a monthly premium?”
[Processing Information]
“Thank you for sharing that information! Based on what you’ve told me, it looks like we have some excellent options that can provide the coverage you need.”[Next Steps]
“Now, I’m going to connect you with one of our licensed underwriters, who can provide detailed information on the plans you qualify for and answer any questions you may have.”Agent:
“[Customer Name], it’s been a pleasure speaking with you. Thank you for your time and for sharing all this information. I’m going to transfer you to [Underwriter Name], who will guide you through the available plans.”[Transitioning the Call]
“Just a moment while I connect you. You’ll hear a brief beep, and I’ll stay on the line to introduce you. Thanks again for your patience today!”OR
Agent:
“[Customer Name], it’s been a pleasure speaking with you. I want to ensure you get the coverage you’re looking for, so I’m going to schedule an appointment for you to speak with one of our top licensed underwriters, [Underwriter Name]. Are you available on [Date] between [Available Times]?”
Life Insurance Sales Script Sample #4: Reaching Out to Past Clients
For agents who maintain relationships with past clients, proactive follow-ups can uncover opportunities for additional coverage or policy updates. This script emphasizes checking in and ensuring that clients’ needs are still being met.
Agent:
Hi, [Customer Name]. This is [Agent Name] from [Company Name]. How have you been?[Build Rapport]
“I hope you’re doing well! It’s been a while since we last spoke, and I wanted to check in with you.”[Purpose of the Call]
“I’m reaching out today to see if your life insurance needs have changed since we last connected. Life can change quickly, and I want to ensure you have the right coverage in place.”[Engagement Questions]
“Have there been any significant changes in your life recently? For example, a new job, a move, or perhaps welcoming a new family member?”[Listening and Validating]
“That’s wonderful to hear! Those life changes can definitely impact your insurance needs.”[Policy Review Offer]
“With these changes in mind, it might be a good idea to review your current policy. I can help you assess whether your coverage is still adequate or if you could benefit from additional protection.”[Benefits of Review]
“Updating your policy could potentially save you money or provide more comprehensive coverage to fit your current situation.”[Proposing Next Steps]
“Would you be open to scheduling a quick review session? I can provide you with options that align with your current needs.”Agent:
“Let’s set up a time that works for you. Are you available on [suggest a date] between [available times]?”[Transitioning the Call]
“Thanks for considering this, [Customer Name]. I look forward to helping you ensure your coverage is up to date!”[Closing]
“It’s always a pleasure to speak with you. I’ll send you a confirmation email for our appointment. Feel free to reach out if you have any questions in the meantime. Have a fantastic day!”
Life Insurance Sales Script Sample #5: Educating Young Families on Life Insurance
This script is tailored for conversations with young families, highlighting the importance of life insurance as a foundational aspect of financial planning and family security.
Agent:
Hi, [Customer Name]. This is [Agent Name] with [Company Name]. How are you today?[Build Rapport]
“I hope your family is doing well! I wanted to touch base with you because I know how important family is to you.”[Purpose of the Call]
“I’m reaching out today to discuss something that could provide your family with peace of mind—life insurance. Have you considered how life insurance can protect your loved ones?”[Engagement Questions]
“Do you currently have any life insurance coverage? If yes, how much do you think is sufficient for your family’s needs?”[Educating on Importance]
“Life insurance is not just about the present; it’s about planning for the future. It can cover everyday expenses, pay off debts, and ensure that your children’s education is taken care of, even if you’re not there to provide for them.”[Addressing Misconceptions]
“Many young families think they can wait until later, but the earlier you secure a policy, the more affordable it is. Plus, locking in a policy now means you won’t have to worry about premium increases as you age or if your health changes.”[Explaining Policy Options]
“There are different types of policies, like term life insurance, which is typically the most affordable for young families, and whole life insurance, which can build cash value over time. I’d love to help you find the best option for your needs.”[Proposing Next Steps]
“Would you be open to a short meeting where we can discuss your family’s specific needs and go over the options available? I want to ensure you have the right coverage to protect your loved ones.”Agent:
“How does [suggest a date] at [available times] work for you?”[Closing]
“Thank you for considering this, [Customer Name]. I believe this is a crucial step in securing your family’s future. I’ll send a confirmation email with the details of our meeting. If you have any questions before then, please feel free to reach out. Have a wonderful day!”
Life Insurance Sales Script Sample #6: Following Up on Major Life Changes
This script is designed for agents to connect with clients who have experienced major life events, emphasizing how these changes can impact their insurance needs.
Agent:
Hi, [Customer Name]. This is [Agent Name] from [Company Name]. How are you today?[Build Rapport]
“It’s great to connect with you! I wanted to reach out because I heard you recently [mention a specific life change, e.g., “got married” or “bought a new home”]. Congratulations!”[Purpose of the Call]
“I’m calling today to talk about how these exciting changes can impact your life insurance needs. Have you had a chance to think about updating your coverage?”[Engagement Questions]
“What are some of your main concerns regarding financial security now that you’ve made these changes? For instance, do you want to ensure your spouse or family is taken care of in case of an unforeseen event?”[Educating on Importance]
“Life insurance can play a crucial role in safeguarding your family’s financial future. It can help cover mortgage payments, education expenses, and even everyday living costs if something were to happen to you.”[Connecting Needs to Coverage]
“Since you’ve taken such significant steps in your life, now is the perfect time to reassess your coverage. We can explore options that fit your new circumstances, ensuring you have the right level of protection.”[Explaining Policy Options]
“There are various types of life insurance policies, such as term life insurance, which is usually more affordable and ideal for families needing coverage for a specific period, or whole life insurance, which provides lifelong coverage and builds cash value.”[Proposing Next Steps]
“I’d love to schedule a time to go over your options and make sure your coverage aligns with your current needs. Would you be available for a brief meeting on [suggest a date] at [available times]?”Agent:
“Thanks for considering this, [Customer Name]. I believe taking this step is essential for your peace of mind as you embrace these life changes.”[Closing]
“I’ll send a confirmation email with the details of our appointment. If you have any questions in the meantime, don’t hesitate to reach out. Have a fantastic day, and I look forward to our conversation!”
Life Insurance Sales Script Sample #7: Addressing Hesitance and Objections
This script is designed for agents to engage with clients who may be uncertain about the necessity of life insurance or have concerns about the costs involved.
Agent:
Hi, [Customer Name]. This is [Agent Name] from [Company Name]. How are you doing today?[Build Rapport]
“I hope you’re having a great day! I wanted to reach out because I noticed you expressed some interest in life insurance, but I understand there might be some hesitance. I’m here to help with any questions or concerns you may have.”[Purpose of the Call]
“I know that deciding on life insurance can feel overwhelming, especially with all the options out there. Can I ask what specific concerns you have?”[Listening and Validating Concerns]
“I completely understand your feelings. Many people have similar worries about the cost or whether it’s really necessary. It’s perfectly normal to want to ensure you’re making the right choice.”[Educating on Importance]
“Life insurance isn’t just a cost—it’s a way to provide security for your loved ones. It ensures that they won’t face financial hardship if something were to happen to you. It can cover things like mortgage payments, childcare expenses, and even final expenses, so your family doesn’t have to worry during a difficult time.”[Addressing Cost Concerns]
“Regarding the cost, there are various types of policies available that can fit different budgets. For instance, term life insurance tends to be more affordable and can provide significant coverage for a set period of time. Plus, locking in a lower rate while you’re healthy can save you money in the long run.”[Sharing Testimonials or Examples]
“I’ve helped many clients in similar situations who initially felt hesitant, but once they understood their options, they realized the peace of mind that comes with having coverage. For example, [share a brief success story or testimonial].”[Proposing Next Steps]
“How about we schedule a time to explore some options that fit your needs and budget? This way, you can get a clearer picture without any pressure.”Agent:
“Would you be available for a brief chat on [suggest a date] at [available times]? I think it would be helpful for you.”[Closing]
“Thank you for considering this, [Customer Name]. It’s essential to feel confident in your decisions about your financial future. I’ll send you a confirmation email for our meeting, and please feel free to reach out if you have any more questions in the meantime. Have a wonderful day!”
Life Insurance Sales Script Sample #8: Integrating Life Insurance into Retirement Planning
This script is tailored for agents to engage with clients who are focusing on their retirement plans, emphasizing the role life insurance can play in enhancing their financial security.
Agent:
Hi, [Customer Name]. This is [Agent Name] from [Company Name]. How are you today?[Build Rapport]
“I hope you’re doing well! I wanted to reach out because I understand you’re currently in the process of planning for your retirement. That’s an exciting journey!”[Purpose of the Call]
“While you’re focused on ensuring a comfortable retirement, I wanted to discuss how life insurance can fit into that plan. Have you thought about how life insurance can play a role in your retirement strategy?”[Engagement Questions]
“What are your main goals for retirement? Are you looking to ensure financial stability for your loved ones, or perhaps leave a legacy?”[Educating on Importance]
“Life insurance can provide crucial benefits during retirement planning. For example, it can help cover final expenses, ensuring your savings remain intact, or serve as a financial safety net for your spouse or dependents. Additionally, certain types of permanent life insurance can accumulate cash value that you can access in retirement.”[Connecting Needs to Coverage]
“Given your retirement goals, now may be an ideal time to assess your coverage. Having life insurance can give you peace of mind knowing that your family will be financially protected even if something happens to you during or after retirement.”[Explaining Policy Options]
“There are various options available, such as term life insurance, which is affordable and can cover you during your working years, or whole life insurance, which provides lifelong coverage and cash value benefits. We can look into the best choice for your unique situation.”[Proposing Next Steps]
“I’d love to schedule a time to discuss your retirement goals in detail and how life insurance can enhance your overall strategy. Would you be available for a quick meeting on [suggest a date] at [available times]?”Agent:
“Thank you for considering this, [Customer Name]. It’s important to ensure all aspects of your financial future are covered.”[Closing]
“I’ll send a confirmation email with the details of our appointment. If you have any questions before then, don’t hesitate to reach out. Have a great day, and I look forward to our conversation!”
Life Insurance Sales Script Sample #9: Protecting Your Family’s Future
This script is designed for agents to connect with parents, emphasizing the importance of life insurance in providing financial security for their children.
Agent:
Hi, [Customer Name]. This is [Agent Name] from [Company Name]. How are you today?[Build Rapport]
“It’s great to talk to you! As a parent, I know you have a lot on your plate. I wanted to reach out because I believe life insurance is an important topic for families, and I’m here to help you navigate it.”[Purpose of the Call]
“I wanted to check in and see if you’ve considered how life insurance can provide security for your children’s future. It’s a topic many parents think about but may not have had the chance to explore.”[Engagement Questions]
“What are some of your main concerns when it comes to your children’s financial security? Are you looking to ensure they can pursue their dreams, like college education, regardless of what happens?”[Educating on Importance]
“Life insurance can be a crucial part of that plan. It helps ensure that your family won’t face financial hardships if something unexpected were to happen. It can cover everything from daily living expenses to future educational costs, allowing your children to have the best opportunities.”[Addressing Budget Concerns]
“I understand budgeting for life insurance can feel challenging, especially with all the expenses that come with raising a family. However, there are affordable options available. For example, term life insurance can provide substantial coverage at a lower premium, making it accessible for many families.”[Connecting Needs to Coverage]
“Given your priorities as a parent, now is a great time to secure coverage that fits within your budget while providing peace of mind for you and your family. This way, you can focus on what truly matters—raising your children.”[Explaining Policy Options]
“We can explore various policies that can meet your family’s specific needs, such as a term policy that covers you during your children’s crucial years or even a whole life policy that builds cash value over time.”[Proposing Next Steps]
“I’d love to set up a time to discuss your goals and how we can create a tailored life insurance plan that fits your family’s needs. Would you be available for a quick chat on [suggest a date] at [available times]?”Agent:
“Thank you for considering this, [Customer Name]. Protecting your family’s future is so important, and I’m here to help.”[Closing]
“I’ll send you a confirmation email for our meeting. If you have any questions before then, please don’t hesitate to reach out. Have a wonderful day, and I look forward to speaking with you soon!”
Life Insurance Sales Script Sample #10: Protecting Your Business
This script is tailored for agents to engage with business owners, emphasizing the importance of life insurance in safeguarding their business and its future.
Agent:
Hi, [Customer Name]. This is [Agent Name] from [Company Name]. How are you doing today?[Build Rapport]
“I hope you’re having a productive day! I wanted to reach out because I know you’re a business owner, and I’d like to discuss how life insurance can play a vital role in protecting your business.”[Purpose of the Call]
“As a business owner, you have invested so much time and effort into building your company. Have you considered what would happen to your business if something unexpected were to occur? Life insurance can be a critical part of that plan.”[Engagement Questions]
“What are your main concerns when it comes to the continuity of your business? Do you have a succession plan in place?”[Educating on Importance]
“Life insurance can help ensure that your business can continue operating smoothly in the event of your untimely passing. It can provide the necessary funds to keep the business afloat, pay off debts, or help find a suitable buyer. This way, your hard work doesn’t go to waste, and your employees are protected.”[Connecting Needs to Coverage]
“Given your responsibilities as a business owner, it’s essential to have a financial safety net. Life insurance can also be a key component of a buy-sell agreement, ensuring that your partners or beneficiaries can buy out your shares without financial strain.”[Explaining Policy Options]
“There are different policies we can explore, such as term life insurance, which is typically more affordable and can cover you for a specific period, or permanent life insurance, which can provide lifelong coverage and cash value accumulation.”[Proposing Next Steps]
“I’d love to set up a time to discuss your business needs and how we can develop a life insurance plan that secures your company’s future. Would you be available for a brief meeting on [suggest a date] at [available times]?”Agent:
“Thank you for considering this, [Customer Name]. Protecting your business is as important as growing it, and I’m here to assist you.”[Closing]
“I’ll send you a confirmation email for our appointment. If you have any questions before then, feel free to reach out anytime. Have a great day, and I look forward to our conversation!”
